I’m a small company. Do I qualify for healthcare?
Small and underinsured
If you’re a small company, then you’ve probably already realized the challenge of getting a health plan for you and your employees: HMOs usually cater to big businesses. It might give you small comfort to know that you’re not alone. Based on 2014 figures provided by the Philippine Statistics Authority, there are 946,988 establishments in the Philippines. Do you know how many of these are MSMEs (micro, small, and medium enterprises)? A whopping 99.6%, or 942,925. That’s a huge chunk of the market whose health needs aren’t being met.
Needless to say, not being able to secure health coverage for your team can prove to be a huge problem. Health affects all aspects of a person’s being - including productivity at work - and even the healthiest of individuals can get sick every now and then. Everybody instinctively recognizes the need to have some sort of wellness safety net; paying for healthcare out-of-pocket each and every time just isn’t a sustainable option. But how can you get a good health plan from a trusted HMO provider if you’re just a tiny outfit?
An HMO plan for every business
Thankfully, with Maria Health, small business owners finally have an option for affordable and quality healthcare. We’ve teamed up with the best HMO providers in the Philippines to deliver health plans that specifically cater to the SME market. Brands you trust like Maxicare, Philcare, Asianlife, and even Ayala Health are now offering SME plans in the country through Maria Health.
Qualifying for one is simple. All you need are the following:
- A business with 5 employees or more, and
- Proof that you’re doing business in the Philippines
- Philippine address
The major HMOS now have SME plans that start at Php 6,000 per year. For those in Luzon, Mindinao and Visayas regional plans are also available for lower prices. Some HMOs even allow you to pay monthly.
You’ll be happy to note the benefits such an affordable rate entitles you to:
- Big 5 hospital access + Healthway clinics
- Life insurance (25k to 5X MBL)
- Preexisting, special, and congenital coverage
- Flexibility to see your own doctors
- Maternity coverage**
* Optional for some plans
** Available for some plans